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None — financing only
Added 2026-10-29 (Synchrony sweep). Closed-loop Synchrony card. Rooms To Go only. No rewards. Different structure from most Synchrony financing: 0% APR equal-monthly-payment plans (no deferred-interest trap) — 17/24 months, and 50 months on $1,475+ (NerdWallet, Oct 2026; older 45-month / 2%-fee terms are superseded). The down payment (tax + delivery) cannot be charged to the card.
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Everything (flat rate — no bonus categories) | — | — | No rewards program — value is promotional financing / store credit, not an earn rate. |
No standard bonus reported
No public welcome bonus for the Rooms To Go Credit Card.
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
Synchrony application rules
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Confirmed no public bonus in the Oct 2026 research pass (Synchrony catalog / partner pages).
Offer type, as listed: No sign-up bonus